ZIP Code 32092 — Saint Augustine, FL Home Prices (2026)

The typical home in ZIP 32092 (Saint Augustine, Florida) is worth about $470,000 at roughly $229 per square foot — about the same as the Saint Augustine median and 60% more expensive than the typical U.S. home.

$470,000

Typical home value

$229

Price per sq ft

#3 of 5

Saint Augustine ZIPs by value

+0%

vs Saint Augustine median

How 32092 compares

ZIP 32092 is a mid-priced ZIP code for Saint Augustine: its typical home value of $470,000 ranks #3 of the 5 Saint Augustine ZIP codes we track (the citywide range runs from $353,000 in 32084 to $541,000 in 32080). Per square foot it costs about $229, against $232 for Saint Augustine as a whole, $229 for Florida, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 32092	$470,000	$229
Saint Augustine, FL	$470,000	$232
Florida	$349,000	$229
United States	$294,000	$195

Home value by size in 32092

Using this ZIP’s rate of about $229 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$229,000
1,500 sq ft	$343,500
2,000 sq ft	$458,000
2,500 sq ft	$572,500
3,000 sq ft	$687,000

Salary needed to buy a home in ZIP 32092

To buy the typical $470,000 home in ZIP 32092 with 20% down, you need a household income of roughly $128,000 a year (about $2,980 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $152,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$23,500	$3,710/mo	$159,000/yr
10% (+PMI)	$47,000	$3,550/mo	$152,000/yr
20%	$94,000	$2,980/mo	$128,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 32092

At about $229 per square foot, here is roughly how much home different budgets get you in ZIP 32092:

Budget	Approx. size	What that looks like locally
$250k	1090 sq ft	below the local median — condos, smaller or older homes
$300k	1310 sq ft	below the local median — condos, smaller or older homes
$400k	1750 sq ft	around the typical home here
$500k	2180 sq ft	around the typical home here
$600k	2620 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 32092 home.

Estimate a specific home in 32092

The estimator below is pre-set to ZIP 32092 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Saint Augustine ZIP codes by home value

Where 32092 sits among Saint Augustine’s 5 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	32080	$541,000	$405
2	32095	$502,000	$231
3	32092 (this page)	$470,000	$229
4	32086	$372,000	$232
5	32084	$353,000	$262

ZIP 32092 home prices: frequently asked

What is the average home price in ZIP code 32092? +

The typical home in ZIP 32092 (Saint Augustine, FL) is worth about $470,000 as of 2026. That is about the same as the Saint Augustine median of $470,000 and 60% more expensive than the U.S. median of $294,000.

What is the price per square foot in 32092? +

About $229 per square foot in 32092, versus $232 across Saint Augustine and $229 across Florida. At that rate a 1,500 sq ft home runs roughly $343,500 and a 2,500 sq ft home about $572,500.

What salary do you need to buy a house in ZIP 32092? +

For the typical $470,000 home in ZIP 32092, a household income of about $128,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $152,000; with 5% down about $159,000.

Is 32092 an expensive ZIP code? +

Within Saint Augustine, 32092 ranks #3 of 5 ZIP codes by typical home value, which makes it a mid-priced ZIP code for Saint Augustine. Nationally it is relatively expensive.

See the full Saint Augustine home values page, all Florida cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.